REAL ESTATE CONSULTING FOR CREDIT UNIONS

Ashfield & Associates provides strategic consulting services to credit unions seeking to maximize the value of their real estate lending programs. We provide credit unions with mortgage-lending strategy, development, policies, product design, training, and strategic planning.

Formed in 2000, the company has compiled an extensive list of clients by providing exceptional, results-orientated work.

Today, we work with all kinds of credit unions, from small operations to multibillion-dollar institutions, helping each one reach its full potential as a highly efficient lender with superior member service.

We bring a comprehensive understanding of the mortgage industry and the unique challenges it presents to credit unions. We help in every facet of real estate lending, reviewing the pros and cons of various strategies, making recommendations based on your needs and working with your staff to make your vision a reality.

Company President Tracy Ashfield also speaks to credit unions on how they can train and educate staff across departments on residential mortgage lending. Ashfield also is in demand as a featured speaker at credit union and related conferences.

WHAT WE DO

Since 2000, Ashfield & Associates has helped credit unions of all sizes realize their full potential as highly efficient lenders delivering superior member service. Equipped with an intimate understanding of the mortgage industry and the unique challenges faced by credit unions, we help credit unions make their real estate lending programs competitive, profitable and customer-focused.

  • We will provide facilitation and expertise at a Real Estate Strategic Planning Session.

    • Review the credit union’s mortgage services business model, including product and service offerings, delivery channels, marketing, and business development strategies.

    • Discuss opportunities that support growing a sustainable real estate business capable of delivering superior member service and competing in a purchase lending market.

    • Build consensus on strategies and tactics to achieve desired objectives.

  • We can offer compelling and relevant presentations and training on many real estate lending topics. We have extensive experience speaking to credit unions, CUSOs, regulators, and board members.

  • We will review the credit union’s current compensation structure for the mortgage loan officers and make recommendations to achieve the credit union’s sales and service goals.

  • We will identify the credit union's real estate lending objectives and recommend competitive, compliant incentive plans for real estate personnel.

  • We will examine organizational structure and staffing to identify ways to maximize staff effectiveness, increase productivity and improve the member experience.

  • We will review the credit union’s current mortgage origination, secondary and servicing business model and compare it with other options available. We will also identify strategies and tactics to enhance the value of mortgage lending to both the credit union and the member.

  • We will review the credit union’s current strategy for servicing and compare it with alternative strategies, including servicing released, servicing retained, servicing in-house, and using a sub-servicer.

  • We will assist a credit union with developing a plan to transition from portfolio lending to utilizing the secondary market. We can assist in identifying gaps that need to be addressed before selling loans.

  • We will review the real estate operation’s structure and processes to identify opportunities that support growing a profitable, sustainable real estate business able to deliver superior member service and compete in a purchase lending market.

TESTIMONIALS

  • "Ashfield & Associates has been an integral part of our overall mortgage planning for a number of years. Their unique perspective on credit unions and the mortgage business has helped us develop capabilities and strategies that have allowed us to take our business to new levels."

    Robert McKay, President

    Together Credit Union - St. Louis, Missouri

  • “Having never before offered a first-mortgage product, we knew expert help was needed, and Ashfield & Associates proved to be all we could have hoped for and more. Tracy worked with our team to condense options into the choices that fit our strategic needs and emerging expertise. Years later, results continue to exceed our expectations.”

    Michael Swalley, President & CEO

    Dominion Credit Union - Richmond, Virginia

  • “As a newcomer to the first-mortgage business, we sought assistance to ensure we had awareness of all the things that we would need to consider in implementing our program. Tracy was instrumental in helping and guiding us through the process--everything from narrowing down the vendor choices to understanding staffing considerations.”

    Todd Brown, Vice President of Lending

    South Florida Educational Federal Credit Union - Miami, Florida

HOW TO CONTACT US

You can call us, send an email or use the postal service to reach us, and we'll get back to you as soon as we can—most often within two business days.